Our Customers rate us 4.6 out of 5
Specialist advisors for smallholding mortgages.
Big ambitions for your small holding? Our team of expert mortgage advisors can help you find the finance you need to make your dreams a reality.
Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.
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Finding The Best Small Holdings Mortgage Deal For Your Circumstances
Finding smallholding mortgages for a rural property can be tricky territory. High street lenders are often cautious about providing mortgages for properties with large amounts of land due to the upkeep required, potential commercial use and occupancy restrictions like agricultural ties. But equally, properties that come with land are not always the right fit for commercial mortgages.
If you’ve got your heart set on a new enterprise with your little parcel of land, don’t worry – there are options out there for you. But you may need to search beyond your existing bank for specific smallholding mortgages from specialist lenders.
When the Bank Says No is a team of mortgage experts who specialise in helping clients find mortgage deals for their smallholding property. Whether you have bad credit, a small deposit, or have been previously declined because you don’t fit lending criteria, we’re on a mission to take the fear out of the mortgage process and ensure no obstacles stand in the way of you and your future home. We make smallholding mortgages a reality!
What is a small holding property?
A typical smallholding is a residential property with land, more land than a traditional garden but less than a working farm. They are not to be confused with spacious country homes that have a large acreage of formal gardens. A smallholding is usually classified as a rural property but some can be near to or on the edge of urban areas.
Generally, smallholdings are less than 50 acres, although some can be larger and still be classed as such. The property can consist of land and buildings and includes redundant agricultural buildings alongside an old or new house. A smallholding may be used for crop growing and livestock grazing or kept as woodland and grassland. There can be a mix of residential and commercial use creating a business income.
If you are looking to buy a smallholding, you may find the mortgages available to you are limited even if you approach new lenders. The good news is that there are options out there for prospective smallholding owners – you just need to know where to look! Our team of experienced mortgage advisors have access to specialist lenders who provide smallholding mortgages. Whether you want to use your small holdings for business to create income or personal use, we can find the right mortgage option for you at a competitive rate.
Let's get the ball rolling.
We can support you and help you to make yourself as attractive to banks as possible, ready for your next application!
Check your credit file.
In order for us to assess your credit history and suitability for different mortgage products, you will need to check your file.
Can you get a residential mortgage for a small holding?
Yes, you can get a residential mortgage for a small holding if you intend to reside there. Even so, some lenders aren’t happy to provide mortgages for these types of properties, but there are options out there – you just need to know where to look! If you intend to run a business from your smallholding, a regulated commercial mortgage may be more suitable. There are even solutions if you want to operate a holiday let. Our team of experienced mortgage advisors have access to specialist lenders who provide mortgages for small holdings – get in touch and we’ll help you find the right option for you.
Turning Your Nightmares Into Dreams
When you think you’ve hit that brick wall and have all but given up hope of finding mortgage finance, When the Bank Says No are here to turn your ‘No’ into a ‘Yes’. We have access to a range of specialist lenders who are willing to help those that the High Street banks just won’t touch. Get in touch today and see how we can turn your dreams into a reality.
What types of properties can be purchased with a small holding mortgage?
A range of properties can be purchased using a small holding mortgage.
- Holiday lets.
- Airbnbs.
- Catteries.
- Kennels.
- Rental properties.
- Campsites.
- Glamping sites.
- Vineyards.
If you’re buying a smallholding property with land that currently has one designated purpose, then you may need planning permission to change the usage.
Due to the varied nature of small holdings, it is important to enlist the help of a specialist mortgage broker. Every scenario is different, and the correct approach each time will vary depending on whether the property will be entirely residential, solely for business use, or a mixture of the two. We will need to understand your plans for your future smallholding to ensure we find the most suitable smallholding mortgage lender for your circumstances.
Why have I been declined because of the size of the garden?
What you perceive as a garden, a lender might define as something else and this may lead them to decline your application if they are not specialists in smallholding mortgages. A garden bigger than 5 acres might suggest a commercial farm or could make the lender consider what the land might be used for in the future – opening them up to potential risk. Additionally, the upkeep of properties with large amounts of land can be expensive, leading some lenders to factor this into affordability calculations, and taking you outside their lending criteria.
The size and significance of a garden area will depend upon the layout and function of each property with land.
It is important to get advice from a solicitor on what land restrictions may be in place – if the property has agricultural or equestrian ties, for example, or occupancy restrictions, which limit what the smallholding may be used for. There may even be limitations on what plants you can grow there! Whatever the type and intended use of the property, we can help you navigate this tricky landscape and set you up for success with your second application.
Frequently Asked Questions
Can You Get Smallholding Mortgages With Bad Credit?
Bad credit is never ideal, and it will decrease the number of options open to you. Despite this, many lenders will still consider you, despite the added complexity of a small holding mortgage. If you’re concerned that your credit record might prove a stumbling block on your way to purchasing your property, our experienced advisors can help you establish the best way forward. Give us a call today and we can get started – be sure to have your credit file ready so we can get to work fast!
Expert mortgage advisors for small holdings.
Smallholding residential mortgages can come with added complications like agricultural occupancy conditions, so it’s important to get expert advice as early as possible in the purchasing process. When the Bank Says No specialises in all types of residential mortgages and has helped many clients achieve the finance they need to secure their smallholding property. We don’t care about perfection – we support people in all sorts of situations. Spotless credit file or adverse history, we’re here to help you put your plans for your smallholding into action and we’ll help you achieve the best interest rates on your rural property with land.
What Our customers say about us
Our Customers rank us 4.6 out of 5
We feel so fortunate to have found WTBSN
We found WTBSN after landing in a really tricky situation. We were out of term on our current mortgage and our existing broker had exhausted all options to re-mortgage due to the complex nature of our holiday let property (Grade II listed, timber frame construction and above commercial). Working under considerable time pressure due to the financial penalties being imposed by the existing lender, Brian was relentless in his search for a solution that would allow us to refinance a property that was on face value mortgageable. Thankfully, he didn’t give up and nine months later, we completed on the re-finance. We feel so fortunate to have found WTBSN and would like to thank Brian and the team sincerely for going the extra mile. We couldn’t have done it without you!
Rachel Reeves
Simply the best
I will never use another mortgage broker in all my time In property, these guys are the best at communication, customer service and keeping you informed. They are a level above every other broker I’ve come across and they actually get things done.
Emma, Samantha & Ashley have been fantastic in assisting me with 2 mortgages now and they’re superb at what they do. I wouldn’t hesitate to reccommend them to anybody out there who needs a mortgage sorting.
John Burton
I have been dealing with ben
I have been dealing with Ben @ When The Bank Says No. He has been great!! Professional, kept us up to date the whole way and made the entire process so simple. I would most definitely use him again and have already passed his details on to a family member. Thank you for all your help.
Elise
Thank you for your amazing support
Thank you for your amazing support and service during a really difficult time in my life. 5* is just not enough to demonstrate the level of support received. These guys go above and beyond. A personal service, with kindness and compassion. I highly recommend. If you’re struggling with your mortgage, then have a chat to this team. I cannot thank them enough for everything they have done.
Nabila Fowles-Gutierrez
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